Resources

About Us

Fee Schedule

The rates and fees appearing in this schedule are accurate as of 07/01/2015. Some fees may change without notice. If you have any questions or require current fee information on your accounts, please call the credit union at 936-295-3980.

Savings Account Fees

Fee

Regular Savings

Expeditions

Readishare Grandfathered

Money Market

Monthly Service Fee

$10

Minimum Balance to Avoid Service Fee

$2,500

Account Closing Fee

$25 if account closed within 180 days of opening

Check Cashing Fee*

$3

Check Copy Fee

$5 per check

Check Printing Fee

Varies depending on check style

Coin Counting Fee*

10% of amount counted

10% of amount counted

Escheat Fee***

$10

Excessive Withdrawal Fee per withdrawal after three (3) withdrawals per calendar month

$1

$1

$10

Limited Relationship Fee**

$5

Non-Sufficient Funds (NSF) Fee

$29 per declined transaction made against insufficient funds

Postdated Item Fee

$29 per postdated item

Stop Payment Fee

$29 per item stopped, applies to ACH Debits and Money Market Checks

*Applies when Savings Account Balance is less than $1,000 and member has no other share or loan accounts with CSCU
**Applies when Savings Account Balance is less than $100 and member has no other share or loan accounts with CSCU
***Assessed per account escheated to the State of Texas

Fee

Individual Retirement Account (IRA)

IRA Plan Account Termination Fee

$10

Trustee to Trustee Transfer Out Fee

$10

Checking Account Fees

Fee

Expeditions Checking

Money Manager

Green Account

Basic Checking

Basic Plus Checking

Advantage 55 CheckingGrandfathered

Premier Interest CheckingGrandfathered

Monthly Service Fee

$10

$6

Minimum Balance to avoid Service Fee

$500

Check Clearing Fee

$2 per check

Check Printing Fee

Varies depending on check style

Check Copy Fee

$5 per check; available free of charge with Online Banking

Courtesy Pay Penalty Fee

$29 per overdraft covered by an advance from CSCU

Non-Sufficient Funds (NSF) Fee

$29 per declined transaction made against insufficient funds

Overdraft Transfer Fee

$2 per overdraft covered by transfer from a linked savings account or line of credit

Postdated Item Request Fee

$29 per postdated item

Account Re-Opening Fee

$15 if account was open for fewer than six (6) months before being closed

Stop Payment Fee

$29 per item stopped

Counter Check Fee 3 checks, 1 deposit ticket per page

$1 per page

ATM Access Fees

ATM Withdrawals, Balance Inquiries, and Transfers

$1 per withdrawal, balance inquiry or transfer performed at machines not owned by CSCU, excluding Green Accounts and Expeditions Accounts

Debit Card Fees - No monthly charge to use or fee per transaction (excludes overdraft protection)

Visa Debit Card Replacement of Lost Card Fee - Mailed

$10

Visa Debit Card Replacement of Lost Card Fee - Instant Issue

$5

Visa Debit Card Rush Order Fee

$5 plus delivery charge

Online Banking and Bill Pay Fees - No monthly service charge to use Online Banking or Bill Pay

Paper Statement Option Fee

$3 per statement

Same Day Payments Fee

$9.95

Same Day Payments Fee - Popmoney

$3

Stop Payment Fee

$29 per item stopped

Other Service Fees

Other Service Fees

Fee for Service

No Fee Alternatives

Account Collection Fee

$15 per account, applies to assignments of accounts for collection

Account Garnishment Fee

$50 per garnishment

Account Judgment Fee

$50 per judgment

Account Legal Service Fee

$50 per legal service

Account Levy Fee

$50 per levy

Account Printout or History

$3 per printout

Account history available through CSCU Online, CSCU Mobile, Text Banking

Account Reconciliation Fee

$25 per hour, minimum of one (1) hour

CSCU Online - 21 months of eStatements available

Account Research Fee

$25 per hour, minimum of one (1) hour

Account Transaction Document Copy

$5 per document; must provide date and amount of transaction, else research fee applies

Cashier's Check Fee

$3 per check

Cashier's Check Copy Fee

$5 per check

Cashier's Check Reissue Fee

$5 per check

Cashiers's Check Stop Payment Fee

$29 per item stopped

Collection Item Fee - Incoming

$10 per item

Collection Item Fee - Outgoing

$10 per item plus any pass thru charges

Document Copy / Fax Fee

$1 per page

Expedited Delivery Charge

$5 plus delivery cost

Gift Card Fee

$3.95 per card; other fees apply to use of card. See separate disclosure.

Mail Return Fee - Check Order

$5 plus delivery cost

Be sure to update your address with CSCU whenever you move

Mail Return Fee - No New Address

$5 per item returned

Be sure to update your address with CSCU whenever you move

Money Order Fee

$3 per money order

Pay bills with a CSCU Visa Debit Card or CSCU Bill Pay

Paper Statement w/ Online Banking Fee

$3 per month

CSCU Online - 21 months of eStatements available

Returned Deposit Item Fee

$29 per item

Statement Copy Fee

$5 per statement

CSCU Online - 21 months of eStatements available

Telephone Inquiry Fee

$1 per inquiry, limited to the last three (3) cleared checks

Account history available through CSCU Online, CSCU Mobile, TeleAccess